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was paying $2500 for close to a year, only settled one account, when we said we were having trouble making payments and we're considering bankruptcy, they immediately stopped working on settlements, and would not tell me the amount I had in reserves, I tried to contact different people for months before I finally was told they will not refund any of the money because we said the word bankruptcy...

This unprofessional company has no problem sending threatening letters trying to collect a debt from someone who I've never heard of! They offer NO connection to prove that this debt is real and in spite of my notifying them that they have the wrong person they still threaten to put a collection account on my credit report.
I have read many complaints about this place and heard NOTHING good...